Home›State rule guide›Wisconsin Payday Loans: $1,500 / 35% Income Cap & Repayment Plan

State rule guide

Wisconsin Payday Loans: $1,500 / 35% Income Cap & Repayment Plan

Check Wisconsin payday-loan rules, including the $1,500-or-35%-of-income liability cap, next-day rescission and four-payment repayment-plan right.

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Answers, tradeoffs and next steps

Use the sections below to evaluate fit, not to predict approval.

Wisconsin’s amount ceiling moves with the borrower’s gross monthly income

The state caps aggregate payday liability at the lower of $1,500 or 35% of gross monthly income. That makes income a direct state-law calculator input rather than just an underwriting field. WI_GUIDE

The official 2025 Wisconsin market data becomes context, not a user quote

DFI’s January 2026 guide reports a 2025 average APR of 599.51%. Payday Hex labels that as historical state market data and still uses the actual provider agreement for the user’s current cost. WI_GUIDE

Wisconsin gives a specific repayment-plan pathway after maturity

The DFI guide describes a four-equal-installment plan in qualifying circumstances. The page places that existing-debt remedy next to the repayment timeline instead of using it as a new-loan selling point. WI_GUIDE

Next-business-day rescission is surfaced before another credit decision

The state’s rescission right is treated as an actionable timeline state when the user has just taken the loan, not buried in a generic FAQ.

Interactive decision tool

State range checker

Test the requested amount against the rule summarized on this page.

1Enter→2Compare→3Verify

Amount requested$Rule maximum shown here$

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Provider terms and current state requirements control any offer.

Decision infographic

From state rule to final provider check

A statutory ceiling is not an approval amount.

StartState ruleProduct status and maximum.

ThenOpen loansDatabase or provider verification.

ResultEligible rangeProvider confirms the amount.

What controls the decision

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Inputs, provider disclosure and repayment fit must agree.

Three gates before you continue

1Lawful routeProduct allowed in the state?
2Amount checkWithin the state framework?
3Database checkOutstanding obligations verified?

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Apply the result to this decision

Use the remaining checks before moving to a provider form.

Decision table

State field	Current rule
Outstanding aggregate liability	No more than $1,500 or 35% of gross monthly income, whichever is less
Product definition	Payday lender loans generally 90 days or less under Wis. Stat. s. 138.14
Rescission	Return proceeds by next business day under state rule
Repayment plan	If not paid at maturity, lender must offer four equal installments if no offer in prior 12 months
2025 reported average APR	599.51% in Wisconsin DFI’s Jan 2026 consumer guide

Product scenario

For a user with $3,000 gross monthly income, 35% equals $1,050. The statutory aggregate-liability ceiling is therefore $1,050 rather than $1,500, before provider underwriting/affordability.

Product objections / FAQ

Can Payday Hex guarantee a lender is available in this state? No. Live availability requires current provider and state-license evidence.

Are these state rules permanent? No. State law and regulator guidance can change; the page carries a source-check date and must be refreshed.

Does the maximum legal amount mean I should borrow that much? No. The affordability/paycheck tool can recommend a smaller amount or no borrowing.

Quick comparison

What the product page must answer

Decision	Look for	Stop if
Availability	State eligibility and provider identity	The creditor or license path is unclear
Cost	Amount received, required fees, APR and total repayment	Only the payment size is shown
Timing	Decision, release and bank-posting stages	“Instant” is presented as guaranteed
Repayment	Exact dates, method and late-payment consequences	The payment reopens the same cash gap

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